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SUITABLE FOR 

Funding Business Operations or Personal Use

  • Business Growth: Ideal for funding business expansion or renovation

  • Flexibility: Use the Loan for business or personal needs

  • Quick Access: Easy approval and disbursement process

  • Secure Financing: Loan against valuable specialised property ensures better rates.

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About Loan Against Specialised Property

What is a Loan Against Specialised Property?

A Loan Against Specialised Property is a secured financing option where business owners or professionals pledge commercial, industrial or institutional properties as collateral. This Loan provides access to substantial funds that can be utilised for business expansion, infrastructure upgrades, working capital needs or even personal financial requirements.

Eligibility for Loan Against Specialised Property

Both individuals and businesses can apply for this loan. Self-employed professionals such as doctors, lawyers and business owners can leverage their specialised property- such as clinics, warehouses or schools- to secure funding. Applicants must have clear property ownership & a stable income and meet the lender’s creditworthiness criteria.

Key Benefits of Loan Against Specialised Property

This Loan offers flexible loan amounts based on property value, competitive interest rates and long repayment tenures. It enables borrowers to unlock the potential of their property without selling it, ensuring continued ownership while funding critical business or personal needs.

Loan Tenure and Repayment Options

Loan tenures typically range up to 15 years, allowing borrowers to repay through structured EMIs. Longer repayment durations provide financial ease, reduce the burden of large monthly payments and offer stability for business growth or personal financial planning.

 Loan Against Specialised Property FAQs

What type of property can be used as collateral for the Loan?

You can use business properties like office spaces, shops, factories or any property linked to your business operations.

Can I apply for this Loan if I don’t own the property?

No, only property owners can apply. However, co-applicants can be added even if they are not co-owners.

How much Loan can I get against my property?

The Loan amount depends on the property's value, with a maximum limit determined by the lender's policies.

 

Is the Loan available for personal use?

Yes, the Loan can be used for personal expenses, business expansion or purchasing new property.

What is the tenure of the Loan?

The Loan tenure can be flexible, with repayment options available up to 10 years.

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